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First off, congratulations on making such Foolish moves so early in life! Like so many others, I sure wish I'd started that young. Anyway, I am pretty new to Fooldom myself and you will certainly find others here that can give you a much more professional answer. However, nobody has done so yet, so I'll just make an observation on how I'm approaching my investments.

As I see it, the difference between what I put in my IRA/401K and what I put in my regular discount brokerage account is this: If I am going to be doing a fair amount of trading, as I will in my RP4, I want to avoid the frequent capital gains taxes, so I put it in my IRA. For my "buy and hold a really long time" stuff, my CashKing, I put it in my regular brokerage account. I won't have to pay capital gains on it until I sell the stocks in (hopefully) the distant future.

I don't know much about the Formula 90 approach, so I can't comment on which that would fit into. Anyway, I'm sure you'll get some finer feedback from more knowledgeable Fools. Again, good going getting started!

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